Terms of Service
Last updated: July 12, 2026
These Terms of Service (“Terms”) govern your use of the Hailcat Financial Planner mobile app (the “App”) and the website at hailcat.app (the “Site”), provided by Hailcat LLC (“Hailcat,” “we,” “us,” or “our”). By downloading, installing, or using the App, you agree to these Terms. If you do not agree, please do not use the App.
Not financial advice.
Hailcat Financial Planner is an educational tool for exploring “what if” money moves. It projects possible futures with a Monte Carlo simulation, and the results are estimates based on the assumptions you enter — they are not predictions, guarantees, or recommendations, and they are not investment, tax, or legal advice. Before making real financial decisions, consult a qualified professional who can review your specific circumstances.
1. The service
The App lets you build retirement and financial-planning scenarios and see projected outcomes. We grant you a personal, non-exclusive, non-transferable, revocable license to use the App for your own personal, non-commercial planning, subject to these Terms and the App Store terms.
2. Educational purpose — not advice
The App is provided for general educational and informational purposes only. Projections are simplified models, not forecasts of your actual results. In particular:
- results are estimates based entirely on the assumptions and figures you enter;
- taxes are simplified — the App models U.S. federal and state income tax, long-term capital gains, NIIT, payroll taxes, Social Security taxation, Medicare premiums, and required minimum distributions, but does not capture every rule, credit, deduction, or your personal situation, and some figures are approximate;
- investment returns are simulated from simplified capital-market assumptions — expected returns, volatilities, and correlations for a handful of broad asset classes (which you can review and adjust in the App) — and inflation from a single rate or a simulated path; real markets and prices can behave very differently;
- Social Security benefits estimated by the App from your income are rough approximations — your actual benefit depends on your full earnings history, which only the Social Security Administration has;
- markets, tax law, and your circumstances change in ways no model can fully capture.
Nothing in the App is investment, tax, accounting, or legal advice, and no fiduciary or advisory relationship is created by your use of it. You are responsible for the accuracy of your inputs and for any decisions you make. Use the projections as one input among many.
3. Your data
The App runs on your device and stores your plans there. You are responsible for your data and for keeping your own backups. Our handling of information is described in our Privacy Policy.
4. Acceptable use
You agree not to misuse the App — for example, by reverse-engineering it (except as permitted by law), interfering with its operation, or using it in violation of applicable law.
5. Intellectual property
The App and Site, including their design, text, graphics, and the Maximillion mascot, are owned by Hailcat LLC and protected by intellectual-property laws. These Terms do not grant you any rights in our trademarks or content except the limited license to use the App described above.
6. No warranty
The App and Site are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the App will be accurate, uninterrupted, or error-free.
7. Limitation of liability
To the fullest extent permitted by law, Hailcat LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any financial losses or decisions arising out of or related to your use of the App, the Site, or the projections they produce. Our total liability for any claim relating to the App will not exceed the amount you paid us for the App (which may be zero).
8. Changes
We may update the App and these Terms from time to time. Material changes to these Terms will be reflected by updating the “Last updated” date above. Your continued use of the App after changes take effect means you accept the updated Terms.
9. Governing law
These Terms are governed by the laws of the United States and the state in which Hailcat LLC is organized, without regard to conflict-of-laws rules.
10. Contact
Questions about these Terms? Reach us through our contact form.